True commercial lending
Institutional terms, without the institutional runaround.
Financing for mixed-use, office, and residential commercial assets — structured by lenders who know the asset class and answer the phone.
Terms at a glance
Loan amounts
$500K – $25M+
Leverage
Up to 75% LTV on stabilized assets
Asset types
Mixed use · Office · Residential
Structures
Hold, stabilize, or transitional
Underwriting
Deal-by-deal, senior review
Decision speed
Term sheet in days
Assets we finance
True commercial means we look at the property the way an owner does — income, condition, and the plan.
Mixed-use buildings
Retail, office, and residential combinations on Long Island's main streets and beyond — the bread and butter of this market.
Office assets
Owner-occupied and investor-owned office, from single-tenant professional buildings to multi-tenant floors.
Residential over commercial
Multifamily-scale residential assets and mixed residential/commercial income property under conventional commercial analysis.
Acquisition and refinance
Purchases, cash-out refinances, and maturing-debt takeouts on income-producing commercial real estate.
A commercial review that respects the deal
True commercial lending is a relationship business. We underwrite the income, the asset, and the sponsor the way a lender should — quickly, directly, and with a real conversation instead of a form portal.
Stabilized assets get institutional-style terms: leverage up to 75% LTV, sensible amortization, and pricing that reflects the actual risk rather than a rate sheet designed for somebody else's deal.
For transitional assets, we blend commercial terms with bridge flexibility — because many real commercial opportunities live somewhere in between, and a rigid lender misses them.
Common questions
Bring us the building.
Send the address, the rent roll, and your plan. We'll come back with a structure that fits — and the reasoning behind every term.